Investor Education
Mergers and Acquisitions: Strategy and Valuation
Mergers and acquisitions (M&A) is a collective term used to describe when firms decide to join together (a merger) or when one firm buys another outright (an acquisition). Companies pursue M&A deals for many reasons - from expanding into new markets to achieving synergies. It is a common tool used by businesses to grow inorganically.
24 June 2025
Retirement Planning
Ageing and retirement preparation - The Imperfect Path to Retirement
20 June 2025
Retirement Planning
Life insurance versus funeral cover: Why it's vital to understand the difference.
The importance of understanding the functions of these two types of cover, and how they can work together to protect your finances and the people you care about
20 June 2025
Investor Education
Behavioural bias in financial decision-making
Financial decision making is often assumed to be a rational process grounded in logic and objective analysis. Classical economic theories are based on the notion that individuals act in their own best interest, optimising outcomes based on available information. However, real-world observations frequently challenge this assumption. People often make irrational choices influenced by emotions and bias.
08 April 2025
Investor Education
Introduction to market sentiment indicators
Just as personal sentiment influences individual decisions, market sentiment—collective feelings and attitudes among investors—can profoundly affect asset prices.
17 January 2025
Investor Education
Analysing income statements
An income statement, also known as a profit and loss statement, is a vital financial document that details a company's revenues, expenses, and profits over a specific period—typically quarterly, semi-annually, or annually. This report gives businesses, investors, and stakeholders the information to understand how efficiently a company is managing its operations and if it is generating a profit.
02 October 2024
Retirement Planning
Ageing and retirement preparation - The Imperfect Path to Retirement
20 June 2025
Retirement Planning
Life insurance versus funeral cover: Why it's vital to understand the difference.
20 June 2025
Disclaimer
This Publication note is issued by FNB for the information of clients only and should not be produced in whole or part without prior permission. Although FNB is an Authorised Financial Services Provider, any opinions and/or analysis contained in this Publication are for informational purposes only and should not be considered advice, including but not limited to financial, legal or tax advice, or a recommendation to invest in any security or to adopt any investment strategy. The information contained herein has been obtained from sources/persons which we believe to be reliable. Still, it is not guaranteed for correctness, completeness or otherwise. We do not assume liability for loss arising from errors in the information or that may be suffered from using or relying on the information contained herein, irrespective of whether there has been any negligence by us, our affiliates or any other employees of ours, and whether such losses are direct or consequential. As market and economic conditions are subject to rapid change, any comments, opinions and analyses are rendered as of the date of publishing and may change without notice. Such changes may have a material impact on the outcome of any investment. Securities involve a degree of risk and are volatile instruments. Past performance is not indicative of future performance. Securities or financial instruments mentioned in the Publication note may not be suitable for all investors, and FNB bears no responsibility whatsoever arising from or as a consequence thereof. The material is not intended as a complete analysis of every material fact regarding any share, instrument, sector, region, market, country, investment or strategy. The recipient of this Publication must make their own investment decision and is advised to contact their relationship manager for a personal financial analysis before making any investment decisions. Copyright 2023.
